TX mortgage rates

Mcculloch County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Mcculloch County, Texas. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Mcculloch County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Mcculloch County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Mcculloch

A local view of the market.

The real estate market in McCulloch County, Texas, is characterized by a median listing home price of $205,000 as of October 2024, which represents a decrease of 18.5% year-over-year. The median price per square foot is $117, indicating a relatively affordable housing market compared to many other regions in Texas. Brady is the largest city in McCulloch County, serving as the county seat, with a population of approximately 5,300 residents. Other notable cities include Rochelle and Lohn, although specific population figures for these smaller communities are not readily available. These towns contribute to the county's rural charm and community-focused lifestyle. Living in McCulloch County offers a predominantly rural experience, with a mix of agricultural and suburban lifestyles. The county's economy is supported by industries such as agriculture, manufacturing, and retail trade. People may be drawn to McCulloch County for its affordable housing, peaceful rural environment, and opportunities for farming and outdoor activities, making it an attractive option for those seeking a quieter, country lifestyle.

Questions & Answers

Refinancing in Mcculloch County

Common questions about 2026 loan limits and refinancing opportunities in Texas.

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